How do I log in to my NPS account as an NRI?

You can log in to your NPS account by visiting the official NSDL or KFintech NPS portal. Enter your PRAN (Permanent Retirement Account Number) and password or use OTP authentication linked to your registered mobile number.

What should I do if I forget my NPS login password?

If you forget your NPS login password, click on the Forgot Password link on the login page. Follow the steps to reset your password using your PRAN and the OTP sent to your registered mobile number.

Can I change my NPS login password?

Yes, NRIs can change their password anytime after logging in. Navigate to the Change Password option in your account settings to update it.

What should I do if my NPS account is locked?

If your e-NPS account is locked due to multiple incorrect login attempts, contact the NPS customer service or the Central Recordkeeping Agency (CRA). Alternatively, you can unlock it by submitting the UOS-S10-A form to your Point of Presence-Service Provider (POP-SP).

How can I update my contact details in my NPS account?

To update your contact details (such as email, mobile number, or address), log in to your NPS account. Visit the Update Profile section and make the necessary changes. Ensure your updated mobile number is accessible internationally for OTP verification.

Can I access my NPS account through a mobile app?

Yes, the NPS by NSDL e-Gov app is available for Android and iOS users, including NRIs. It allows you to access your account, track contributions, and update details on the go.

What are the common login issues faced by NRIs and how can they be resolved?

Common issues include incorrect PRAN or password entry, expired passwords, and locked accounts. Ensure you: Use the correct login credentials. Reset your password if expired. Contact customer support if your account is locked.

Is it safe for NRIs to access NPS accounts online?

Yes, online access is safe if you follow essential security practices: Use a strong password. Avoid sharing login details. Access the account from a secure device.

How often should NRIs log into their NPS accounts?

It is recommended to log in at least once a month to monitor contributions, check investment performance, and ensure your details are up to date.

Is there a separate login for Tier-I and Tier-II NPS accounts for NRIs?

No, NRIs use a single login for both Tier-I and Tier-II accounts. Once logged in, you can view and manage details for both tiers conveniently.

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NPS Login for NRIs

Accessing your National Pension System (NPS) account is now simpler and more convenient with the NPS Login. It allows you to manage your contributions, track investments, and efficiently plan your retirement online from anywhere in the world.

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What is the National Pension Scheme (NPS)?

The National Pension Scheme (NPS) is a government-backed voluntary pension initiative designed to provide a steady income post-retirement. It is open to Indian residents, Non-Resident Indians (NRIs), and Persons of Indian Origin (PIOs).

Key Features:

Contributions: Invest during your earning years in market-linked funds of your choice.
Pension Benefits: Withdraw up to 60% of the corpus as a lump sum at retirement. The remaining 40% is used for an annuity, ensuring regular pension income.

Key Highlights of the NPS Account

Account Type: Voluntary, Long-Term Investment Plan for Retirement
Eligibility: Open to NRI citizens with a PAN Card.
Entry Age: 18 – 70 years
Minimum Contribution:
- Tier I Account (contribute at least once per year)
  - Rs. 500 at account opening
  - Thereafter, Rs. 500 per contribution
  - Rs. 1,000 annually
Investment Options: Diversified across Equity (E), Corporate Bonds (C), Government Securities (G), Choice of investment mix (E, C, G) based on risk appetite.
Fund Management Options: Active Choice or Auto Choice (same as resident Indian citizens)
Exit Rules at Age 60:
- Minimum 40% annuitization
- Maximum 60% lump sum withdrawal
- Option to defer lump sum and annuity purchase
Extension Option till Age 70: Allowed with fresh contributions, annuity and lump sum withdrawal deferral options.
Early Exit Before Age 60:
- Minimum 80% annuitization
- Maximum 20% lump sum withdrawal
- Complete withdrawal if corpus < Rs. 1 lakh
Death of Subscriber: Nominees receive 100% of NPS pension wealth as a lump sum.
Tax Benefits:
- Up to ₹1.5 lakh deduction under Section 80C for Tier I contributions.
- Additional deduction of up to ₹50,000 under Section 80CCD(1) for Tier I contributions.
- Up to 25% of Tier I corpus withdrawn at maturity is tax-free.

Benefits of NPS for NRIs

Eligibility: Open to NRIs aged 18–70 years.
Dual Investment Options: Tier I (mandatory, with tax benefits) and Tier II (optional, for flexible savings).
Customised Investments: Choose from equity, corporate bonds, and government securities or let the system manage investments based on your age.
Retirement Flexibility: Extend contributions till 70 years or withdraw early with specific conditions.

NPS Login Methods

NRIs can access their NPS accounts seamlessly via multiple platforms:

NSDL NPS Portal:
- Visit NSDL NPS Porta (https://enps.nsdl.com/eNPS/NationalPensionSystem.html)l.
- Use your PRAN and password to log in. First-time users can reset their password using their PRAN, birthdate, and registered mobile OTP.
KFintech NPS Portal:
- Go to KFintech NPS Portal (https://nps.kfintech.com/).
- Login with PRAN and password. Follow a simple process for first-time password setup.
Internet Banking:
- Access the NPS section of your bank’s internet banking platform.
- Manage contributions, schemes, and account details easily.

Documents for NPS Registration

NRIs can register using either Aadhaar or PAN:

Using Aadhaar:
- Aadhaar number linked to a registered mobile number.
- Scanned signature in JPEG format.
Using PAN Card:
- PAN card details and KYC-compliant bank account.
- Self-attested copies of ID proof, address proof, and photograph.

NPS Calculator 2025

The National Pension Scheme Calculator is an online tool that helps you estimate the lump sum and pension amount you could receive upon maturity of the NPS scheme. You can use the NPS Calculator to better understand how your contributions can grow over time and plan your retirement accordingly.

Conclusion

The NPS Login offers NRIs a secure and user-friendly platform to manage their retirement savings. It provides real-time updates on your contributions, enables informed investment decisions, and ensures peace of mind as you plan for a financially stable future.

FAQs

How do I log in to my NPS account as an NRI?

You can log in to your NPS account by visiting the official NSDL or KFintech NPS portal. Enter your PRAN (Permanent Retirement Account Number) and password or use OTP authentication linked to your registered mobile number.
What should I do if I forget my NPS login password?

If you forget your NPS login password, click on the Forgot Password link on the login page. Follow the steps to reset your password using your PRAN and the OTP sent to your registered mobile number.
Can I change my NPS login password?

Yes, NRIs can change their password anytime after logging in. Navigate to the Change Password option in your account settings to update it.
What should I do if my NPS account is locked?

If your e-NPS account is locked due to multiple incorrect login attempts, contact the NPS customer service or the Central Recordkeeping Agency (CRA). Alternatively, you can unlock it by submitting the UOS-S10-A form to your Point of Presence-Service Provider (POP-SP).
How can I update my contact details in my NPS account?

To update your contact details (such as email, mobile number, or address), log in to your NPS account. Visit the Update Profile section and make the necessary changes. Ensure your updated mobile number is accessible internationally for OTP verification.
Can I access my NPS account through a mobile app?

Yes, the NPS by NSDL e-Gov app is available for Android and iOS users, including NRIs. It allows you to access your account, track contributions, and update details on the go.
What are the common login issues faced by NRIs and how can they be resolved?
Common issues include incorrect PRAN or password entry, expired passwords, and locked accounts. Ensure you:
- Use the correct login credentials.
- Reset your password if expired.
- Contact customer support if your account is locked.
Is it safe for NRIs to access NPS accounts online?
Yes, online access is safe if you follow essential security practices:
- Use a strong password.
- Avoid sharing login details.
- Access the account from a secure device.
How often should NRIs log into their NPS accounts?

It is recommended to log in at least once a month to monitor contributions, check investment performance, and ensure your details are up to date.
Is there a separate login for Tier-I and Tier-II NPS accounts for NRIs?

No, NRIs use a single login for both Tier-I and Tier-II accounts. Once logged in, you can view and manage details for both tiers conveniently.

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*Past 10 Year annualised returns as on 01-09-2026
*All savings plans are provided by the insurer as per the IRDAI approved insurance plan. Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
**Returns are based on past 10 years' fund performance data (Fund Data Source: Value Research).
^Returns as on 10th Jan'25. 18% returns for Tata AIA Life Top 200 for the last 10 years.The past performance is not necessarily indicative of future performance. Source: Morningstar

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